If you’ve seen a KOHO referral code floating around, it’s basically a signup bonus.
You can use this link: https://referral.koho.ca/mzHbhU3
Use a valid referral code when you create your KOHO account, spend $20, and you can get 3 months of Everything Plan for free - You can also earn $100 in referral bonus.
How the KOHO Referral Bonus Works
Typically, a KOHO referral offer looks something like this:
Get a referral code from an existing user or use this link.
Download the app and sign up as a new user.
Get verified and spend $20 or more on your account.
You get 3 months of Everything Plan
Refer others to get $100 bonus
You Get 3 Months KOHO Everything FREE
Once your account is set up and your referral bonus lands, you can get even more value by using the KOHO Everything Account:
Grow your savings with 3.5% interest, one of the highest rates in Canada
Earn a 2% cash back rate on groceries, eating, drinking, and transportation and 0.5% cash back on everything else
There are no foreign exchange fees, so you save on international purchases and travel
Unlimited transactions and free e-transfers
No minimum balance required, ever
Sharing Your Own KOHO Referral Code
Once you’re set up:
You can usually find your referral code inside the app.
Share it with friends and family so they can sign up and get the same kind of bonus offer (subject to current terms).
Some referral programs also reward the existing user, so you may earn bonuses when others join through you.

About the author
Grace is a communications expert with a passion for storytelling. This hobby eventually turned into a career in various roles for banks, marketing agencies, and start-ups. With expertise in the finance industry, Grace has written extensively for many financial services and fintech companies.
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